About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 302 posts from scratch.

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IPB 037: What Whole Life Product and When?


In this week’s episode, we dip into the mailbag to answer a question submitted by someone in our audience.

Olivia writes, “Would you discuss the differences for some specialty whole life insurance products and when they might be appropriate for someone?…7 year pay premium, 10 year pay premium, interest sensitive”

So, we’re answering that question.

If you have questions for us that you’d like to hear us answer on a podcast, please let us know. You can shoot us an email by using this form. We’d love to hear from you.

IPB 036: How Negative Interest Rates Could Effect Life Insurance

negative_rates

There’s a lot in the news recently about negative interest rates. It’s surreal to think that central bankers have gone to such extremes in attempt to stimulate economic growth.

If you don’t know what I’m referring to Read More…

IPB 035: Fee Disclosure Is Just a Marketing Tactic (life insurance myths debunked part 5)

free-shipping-xs

In the world of evaluating life insurance policies (something we do daily), it’s possible to get bogged down in a discussion of fees. And sadly, it won’t do much good.

If you’re looking at fees associated with whole life insurance, good luck. The product is not transparent (nor is it required to be) regarding what fees and/or expenses are charged.

But we’ve got good news for you… Read More…

IPB 034: Yep, They Take Your Money When You Die (life insurance myths debunked part 4)

 

There’s no doubt a number of people have made arguments against the ownership of cash value life insurance. You don’t have to spend a lot much time surfing ye olde’ interwebs to find such evidence.

Too many of these arguments are propped up on misinterpretations of the various products that exist–heck even the agents themselves can’t come to a consensus on how things work.

But one of my favorite literal interpretations about cash value life insurance that’s used to substantiate the opposition is the fact that Read More…

IPB 033: Good Returns Take too Long to Materialize with Cash Value Life Insurance (life insurance myths debunked part 3)

waiting

If you’ve missed part 1 and part 2 of this five-part series, it would be worth your time to go back and listen to both of those episodes. It’s not a pre-requisite, but it will help give you a little context for what I’m about to say…

This third argument against owning cash value life insurance (whole life and/or universal life) is the most ridiculous one so far.

The third argument goes something like this, “it just takes too long to see a return on my money”. Read More…

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